Ngaba ubucwebe luTyalo-mali oluqaqambileyo kwikamva lakho

irenti

indlu kwaye xa ndithatha isitokhwe, ndiyaqonda ukuba andinazo isitokhwe okanye iibhondi, izindlu nomhlaba, kwaye andinalo ikhaya lam. Ngaba ndenze iimpazamo kunye nokhetho oluthandabuzekayo ngemali yam kude kube yiminyaka ephakathi? Ndingaze ndikwazi ukuthatha umhlala-phantsi?

Ekuqaleni kweminyaka yoo-90s xa ndandineminyaka engamashumi amabini engaqhelekanga, uluvo lokusebenzisa yonke imali endiyongileyo njengentlawulo ephantsi kwindlu yandoyikisa ubomi. Ndingenza ntoni xa kukho imeko kaxakeka yonyango, ilahleko yomvuzo, intlekele yendalo engahlawulwanga yi-inshurensi yomqeshi? Ixhala landishiya ndingumlwelwe; imarike yendawo yokuhlala yenyuka ngokukhawuleza kwaye andisakwazi ukuthenga kuluhlu lwamaxabiso am. Emva kuka-2008, ndiye ndoyika kakhulu ukuba ndlongondlongo kutyalo-mali lwam. Bendiphulukene nemali eninzi yetekhnoloji. Ke ndiye ndaba yi-liquidlow yielding CDs kunye ne-conservative funds kwiiakhawunti ze-SEP IRA. Ingcinga yokuba imali yam ayikhulanga kwiminyaka elithoba indivusa ndibila ngumsindo obandayo ebusuku, okubangelwa ngamaphupha okuchwetheza kwithebhulethi entsha ene-fangled kude kube ngu-Im 90 kunayo nayiphi na imiphumo yokuyeka ukuya exesheni.

Kutshanje, bendicacisa oku kumhlobo, ingcaphephe yeminyaka engama-40 kwizinto zakudala kunye nobucwebe obusayiniweyo, uMichael Khoridpour we.

M Khordipour

nomseki we

EstateDiamondJewelry.com.

Wajonga phantsi kwicushion entle ye-Art Deco esike isafire yaseCeylon enedayimane erhangqe, ethe yahlala emnweni wam emva koko wandijonga ngokubuza.

Owu uMichael, ndithe, Ndichithe ixesha elininzi ekuthandeni kwam izinto zakudala kunye nezacholo zexesha. Wangqala ngxi kangangokuba ndandibonakala ndilahlekile ngoxa ndandinexhala. Uthe, Unebhokisi yediphozithi yokhuseleko egcwele izinto zakudala, ezisayiniweyo nezinqabileyo ezikumgangatho ophezulu eziye zabamba ixabiso lazo kunye/okanye zaxatyiswa ngokuhamba kwexesha. Une-asethi. Inokwahluka kune-real estate okanye iphepha kodwa utyale imali kwikamva lakho.

UMichael wandikhanyisela ngemeko yam. Bendiqokelela ubucwebe kule minyaka ingamashumi amabini anesihlanu idlulileyo, bendizithengile ezi ziqwenga ukubhiyozela amaxesha abalulekileyo ebomini bam, bendikonwabele ukuzithengela kwaye ukuzinxiba kwandinika ukonwaba nangakumbi. Kwaye, nangona bendisazi ukuba into endinayo inexabiso lokwenyani, andizange ndicinge nzulu ngobucwebe obuthengwe njengotyalo-mali lobulumko ngaphambili. Isifuba sam sasingasaziva ngathi sikwi vice grip.

Xa sithetha nezinye iingcaphephe zezacholo zakudala kunye nexesha kunye nabarhwebi abadumileyo kwihlabathi bonke bathathela ingqalelo iziqwenga ezithile kunye neentlobo zobucwebe utyalo-mali oluyi-foldit ezimbini lutyalo-mali kulonwabo lwakho lwangoku nakwikamva lakho, utsho uSimon Teakle, obephethe isebe lezacholo e. Christies New York iminyaka engama-20 kwaye ke ngo-2012 yavulwa

Isacholo esihle sikaSimon Teakle

e Greenwich Connecticut, Ukuthenga ezinqabileyo kwaye utyikitye enye-of-a-uhlobo izacholo iyafana ukuthenga art entle, Teakle uyaqhubeka. Ungatyala imali kuyo kwaye ibe yinxalenye yolonwabo lwakho kunye nepotifoliyo yakho.

Ukusuka kumaso njengemali ukuya kwikhazi lomtshato, ubucwebe njenge-asethi exabisekileyo sisithethe esiye sanikezelwa kwiinkcubeko ezahlukeneyo kwimbali.

Ukugqibela kwam ukuthenga isitokhwe okanye ibhondi yayikude kakhulu; ngalo lonke ixesha ndisenjenjalo, ndandilahlekelwa yimali. Uyachaza

UPat Saling

umthengisi wezacholo owaziwayo kwihlabathi, owayesebenza eFred Leighton ejonga abantu abadumileyo kunye nokuthengiswa kwezacholo ezinqabileyo iminyaka engama-20 ngaphambi kokuba aphume eyedwa ngo-2002. Ndayeka ukuba nento yokwenza nephepha. Xa ndandifunde ngokwaneleyo ndaza ndalola iliso lam nobuchule bam bokuthenga izacholo, yaba yimali echithwa ngobulumko kwishishini nakwingqokelela yam yobuqu.

USaling ubalisa ibali xa unyana wakhe wayekwisikolo sabucala ngo-2008. Wayekhe weva abahlobo bakhe bethetha ngendlela abazali babo ababebahlalisa ngayo ukuze babacacisele ukuba basenokungakwazi ukuya kuhambo oluthile okanye ukuphila ngendlela ababephila ngayo. Unyana wam wabuza, Ngaba silahlekelwe zizitokhwe zethu kunye neebhondi?

Ndathi ke mna, Iindaba ezimnandi zezokuba akukho namnye usilahleleyo; iindaba ezingcono nangakumbi kukuba endaweni yoko sinezacholo. Uyaqhubeka, Iindaba ezimbi zezokuba abantu abazukuthenga okwethutyana. Iindaba ezimnandi kuko konke esikutyalile kukhuseleko lwethu. Xa ndandichaza, kwandinika imvakalelo yokhuseleko ndisazi ukuba ndilawula kunokuba ndibopheleleke ekungaqinisekini kweemarike zemali.

I-Khoripour ibonelela, ubucwebe bungumjikelo kwaye kukho amaza kunye neendlela kwiimarike njengalo naliphi na elinye ishishini. Ke ngoko, uTyalomali kwizacholo malunga nokuba nomonde wokukhwela loo maza kwaye ubambelele kwiziqwenga ngelixa uwagcina ngononophelo. Ukuba uthenge iziqwenga kwiminyaka engama-20 ukuya kwengama-30 eyadlulayo, ngokuqinisekileyo uya kuba uthenge ngaphantsi kwento yakudala, ixesha kunye neendleko ezisayiniweyo namhlanje. Kwaye ukuba uthenge ezinqabileyo kwaye zilungile iziqwenga zakho ziya kuba ziligcinile ixabiso lazo kwaye abaninzi baya kuba nombulelo kakhulu.

UTeakle uyavuma kwaye wongeza, akufanele uthenge ubucwebe njengotyalo-mali lwexesha elifutshane ukuba awukho kwishishini. Xa uthenga ucingela utyalo-mali, kufuneka ubaluleke kangangoko kumgangatho kunye nemeko, ukuvela kunye nokuba athini amagama awomeleleyo kunye nezimbo kwiziqwenga ezisayiniweyo. Ngokuqinisekileyo ezi zinobomi obude kubo kodwa kufuneka ufunde indlela yokuthenga into oyithandayo kodwa uthenge nobulumko.

Njengalo naluphi na uhlobo lotyalo-mali, ukuqokelela ubucwebe kufuna ukuba uthethe neengcali, ufunde ngombandela kwaye ufumane ulwazi oluninzi kangangoko. Kwakhona kufuneka ube nothando lwangaphakathi kunye neliso elihle. Kubonakala ngathi ndibonise ukuthanda kwam imbali kunye nobuhle bobugcisa bezacholo kunye nokuthuthuzela kwam kunye nokuqonda isihloko kungekhona nje kwingqokelela kodwa kunye nenxalenye yepotfoliyo yam. Kwaye kuyonwabisa ngakumbi kwaye kuyonwabisa ngakumbi kunezitokhwe kunye nezabelo kwiimali ezifanayo. Awunakunxiba ezo.

U-Saling uyachaza, Oku kubaluleke kakhulu; kufuneka ufune ukuba ngumnikazi kwaye unxibe ubucwebe obuthandayo. Kodwa, yiba krelekrele, uqeqesheke kwaye uzixhobise ngolwazi.

Nanga amacebiso ambalwa avela kuzo zontathu iingcali:

I-Khordipour: Funda amaxesha akho, isinyithi kunye nezindlu eziphambili zoyilo ukusuka kwixesha le-Art Nouveau ukuya phakathi kwenkulungwane yama-20.

I-Teakle: Iziqwenga ezisayinwe ngabaqulunqi abadumileyo kunye nabathengisi bexesha labo okanye bahlala begcina ixabiso labo kwaye bayayixabisa. Umzekelo: Iziqwenga zeBovin, iBoucheron kunye neCartier ukusuka kwixesha le-Art Deco; UVan Cleef kunye neArpels kunye neVerdura ukusuka kwi-40s ukuya phakathi kwekhulu leminyaka; UBuglari kunye noDavid Webb ukusuka phakathi kwenkulungwane.

Khodipour: Jonga izinto ezikhethekileyo zendlu nganye. Imizekelo yoku ibandakanya iziqwenga zeLalique Art Nouveau, izitayile zikaCartier Tutti Frutti, uVan Cleef. & Arpels useto lwemfihlakalo yokuqala kunye noyilo lwasemva kwenkulungwane ye-19 yeFaberge.

I-Kordipour: Xa iziqwenga zinqongophala, nazo zibaluleka ngakumbi. Sukujonga izindlu ezinje ngeRaymond Yard kunye nendlu yangoku yeJAR. Kukwakho nezindlu ezenza amatye anqabileyo nakumgangatho onjenge-Oscar Heyman kunye neBuccellati.

Themba: Kodwa lumka. Ngenxa yokuba ufumana isiqwenga esayiniweyo akuthethi ukuba iya kuba lutyalo-mali olulungileyo. Zonke ezi zindlu zikhankanyiweyo zinexesha elide kwaye ayizizo zonke iziqwenga zazo eziqokelelweyo okanye imisebenzi emikhulu yobugcisa. Xa uthenga usayinwe kusafuneka uthenge smart.

Khordipour: Ukongeza, iziqwenga akufuneki zisayinwe ukuze ziqokelelwe kunye notyalo-mali oluluqilima. Kufuneka zibe yinyani, zikwimeko egqwesileyo kwaye zimele ixesha eziyilwayo. Ngokomzekelo, iziqwenga ze-Art Deco ezingasayinwanga ziyaqhubeka nokuxabisa ukuba ziyahlangabezana nazo zonke ezi migaqo.

Ukuthengiswa: Xa uthetha ngamaxesha amandulo nangona amaxesha eediliya (isiGeorgia ukuya ngoo-1970s), owona msebenzi ugqwesileyo, imathiriyeli ekumgangatho ophezulu kunye nokunqaba konke kuchaphazela indlela exabiseke ngayo into. Xa unazo zonke ezi zinto zisiya kwisiqwenga kwaye zikwimeko entle kakhulu, unokuziva ukhuselekile ukuba isiqwenga siya kubamba utyalo-mali lwaso.

Saling: Umnini wangaphambili weqhekeza naye uya kongeza kwixabiso ukuba uthenga ilitye elinqabileyo kumdlali weqonga okanye ingqokelela yentlalontle. Kukho ipesenti encinci yoluntu ekwaziyo ukuthenga iziqwenga ezidumileyo, kodwa ukuba unokuthenga kwi-arbiter encinci yesitayile iya kuboleka i-cache, inkohliso kunye nebali kwisiqwenga esonyusa ixabiso laso.

I-Teakle: Yakha ubudlelwane kwaye wenze unxibelelwano. Xa umthengisi, umnini wevenkile okanye ingcali yefandesi isazi ukuba unomdla kwibhrendi okanye kwixesha elithile, baya kukufowunela ukuze bakwazise. Kwelinye icala, ukuba ufuna ukuthengisa, ungaya kubo kuqala uyokuthenga amaqhekeza abawathengisele wona okanye bakudibanise nomntu onako. Ubucwebe yimarike yehlabathi kwaye iyaqhubeka isanda kwaye ubudlelwane obakhileyo bunokwandisa abaphulaphuli bakho.

Saling: Indlela othenga ngayo ichaphazela indlela iqhekeza eliya kuxabisa ngayo. Musa ukoyika ukuthetha-thethana. Ixabiso elingcono olifumanayo ngaphambili liya kunceda ngokuqinisekileyo xa uza kuthengisa.

Nangona u-Ive ekhululeka ngakumbi ngolwazi endilukhethe kakuhle kwaye ndathenga uninzi lweziqwenga zam kwangethuba, ngokuqinisekileyo lixesha lokuba nditshintshe kwaye ndicinge ngokuthetha nomcebisi wezezimali malunga nolunye utyalo-mali olukrelekrele, kwaye mhlawumbi ndithenge indlu endaweni yokuyirenta. .

Kodwa kutsha nje, ndiye ndabalekela kumthengisi endithenge kuye iplatinum entle yeArt Deco isacholo esinokusikwa okuhlukeneyo kwedayimane, umboniso onqabileyo wexesha kodwa ungatyikitywanga. Umthengisi wabuza ukuba ndisenayo na. Xa ndamxelela ukuba ndiyenzile, wandithembisa ngokuphindwe kahlanu imali endandiyihlawule kwiminyaka eli-15 eyadlulayo. Ndiyathemba ukuba andiphoswanga sisikhephe esisesilingini kodwa imvakalelo yam yamathumbu kukuba iya kunyuka nangaphezulu kule minyaka ili-15 izayo. Kanye ngexesha ndingathanda ukuthatha umhlala-phantsi.

Amagama angundoqo: ubucwebe, ubucwebe bamandulo, ubucwebe botyalo-mali, ubucwebe obunqabileyo.signed jewelry, i-vntage, i-antique, i-retro, iphakathi kwinkulungwane